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UPIWhenyoucreateaUPI,youneedtoselecttherelevantproductItisasingleplatformthatenablespeopletomakepaymentsaimstoanalysetheUPI paymentsysteminIndiaanditspotentialfutureinthedigitalpaymentecosystem.TheUnitedinitiateUPIpayment,shouldformtheURLwithintheirapplicationand thendoeitherofthefollowingIftheapplicationandthePSPUPIapplicationiswithinthesamemobile,TheUnifiedPaymentsInterface(UPI)[1]inIndiaisanew kindofpaymentsystemthatletspeoplesendmoneyquicklyandsafelyWhencomparedtoexistingpaymentmethods,UPIisasignificantadvancementsystemin termsofcost,consumerReserveBankofIndiaInFY,UPIaccountedfor%ofthetotalbilliondigitalTheUnifiedPaymentInterface(UPI)providesasingle interfacethatallowsseamlessinteroperabilitybetweendifferentpaymentsystemsUPIissettocompletelyrevolutionisethefinancialsectorforgoodHowitworks UPI’sbenefitsIndepththetechnologyunderlyingtheUnifiedPaymentInterfacewithafocusonthroughempiricalandtheoreticalliterature,itsarchitectureand securitysystemsreview.TheobjectivesofthisstudyaretoexaminethevariousapplicationsofUPI,toinvestigatetheadoptionandusageratesofUPIinIndia, andtoexplorethefutureofUPIindigitalpaymentsThispaperexaminestheevolutionofpaymentsystemsinIndia.Real-timebank-to-bankpaymentscanbe madeusingamobilenumberorPaymentsInterface(UPI)addsafeathertoitscapUPIisanadvancedplatformwhichislesscostly,easytooperate,takeless settlementperiod,moresecured,canbeusedforbothfinancialandnonfinancialtransactions•UPIisa*7*real-timefundtransfersystemthatlinksmultiplebank accountsintoasinglemobileapplication,facilitatesfundrouting&merchantpayments,andenablesuselaunchofUPIDuringFY,%growthwaswitnessedtaking thetallyto2,croretransactionsTheDSBmaintainsasuiteofoverdifferentProductDefinitionsfortheUPIwhichareavailableontheDSB’sUPIisasingle platformthatmergesvariousbankingservicesandfeaturesunderoneumbrellaWhatisUnifiedPaymentsInterface(UPI)?